Extended Health Coverage
Your extended health coverage runs for as long as you remain an enrolled and eligible student at St Francis Xavier University. For more information about enrollment and eligibility, please visit the Plan Enrollment section.
Plan Leaflet
Get a summary of eligible expenses and maximum reimbursements of your Health and Dental Plan.
Plan Card
Your Plan Card allows you direct billing with pharmacies and dental offices.
The following is the coverage for your Health Plan:
| Health Benefits |
Coverage |
| Prescription Drugs |
80% |
Maximum of $3,000 per benefit year. The maximum amount payable to an eligible brand name drug will be limited to the lowest priced item in the appropriate generic category.
Immunization is covered for the Meningitis B vaccine.
$8 dispensing fee maximum.
Advise your doctor and pharmacist that you are on the National Formulary.
Prescription Search Tool
Please use our Prescription Drug Search Tool to find out if your medication is covered by the plan.
Drug Exception Process
In the event that the drugs covered are not effective in treating your condition, or a drug that is effective is not covered, an exception process is in place. Download the Drug Exception Form for your general practitioner to fill out, and they can send the form directly to Canada Life on your behalf.
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| Vision |
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- $80 for one eye examination by an ophthalmologist or optometrist.
- $200 eyeglasses or contact lenses.
The vision coverage renews every 24 months from the initial date of service. Coverage is based on reasonable and customary charges.
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| Paramedical Practitioners |
90% |
Student benefits are payable after any Provincial Health Care benefits have been exhausted. This plan does not cover user fees.
The services of the following practitioners are covered to a maximum of $40 per visit and up to $300 based on reasonable and customary charges, per practitioner, per benefit year.
Practitioners must be registered and licensed in their field of practice.
Practitioners:
- Acupuncturist
- Podiatrist/Chiropodist
- Chiropractor
- Massage Therapist *
- Dietitian
- Osteopath
- Physiotherapist/Athletic Therapist *
- Speech Therapist
*physician's or Nurse Practitioner prescription/referral required for indicated services
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| Psychologist or Registered Social Worker |
90% |
Maximum $900 based on reasonable and customary charge per benefit year.
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| Naturopathic Consultations |
90% |
Maximum $75 per visit up to $300 based on reasonable and customary charges per benefit year.
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| Medical Equipment & Supplies |
- |
Your plan covers a maximum of $2000 per student benefit year for eligible medical equipment when prescribed by a physician.
It is recommended that an application for pre-approval be submitted to Canada Life for any item that would be claimed under the Medical Services & Supplies benefit.
Eligible durable equipment includes, but is not limited to, items such as:
- Wheelchairs (repairs, $250 per lifetime).
- Respiratory equipment, including oxygen, maximum $1,500 per student year.
- Contact lenses/glasses following cataract surgery limit 1 pair per lifetime.
- Canes, crutches, walkers, casts, splints catheters.
- Compression stockings limit 2 pairs per student year.
- Blood glucose monitor, maximum $500 per student year.
- Insulin pumps, maximum $500 per lifetime.
- Intra-Uterine Devices with no medicinal content limit 1 per student year.
- Aero chamber limit 1 per student year.
- Custom-made rigid or semi-rigid braces (not for athletic use) for back, neck, arm or leg, maximum $1,000 per lifetime, per condition.
- Non-dental prostheses such as artificial limbs and eyes; including replacement if required due to a change in physical condition.
- Hearing aids covered at 50% up to $500 every five years.
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| Ambulance |
100% |
Your plan covers reasonable and customary charges per occurrence for licensed ground ambulance or emergency air service that transports the patient to the nearest hospital equipped to provide the required treatment when the physical condition of the patient prevents the use of another means of transportation. If the patient requires the services of a registered nurse during the flight, the services and return airfare for a registered nurse are covered. Limited to one trip per benefit year.
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| Emergency Out of Country Travel Insurance |
100% |
Your plan covers up to a maximum of $5,000,000 per incident of medical expenses incurred as a result of a medical emergency arising while you are traveling outside Canada for vacation, business or education purposes.
If travel is required for a course of study, you can be covered for up to 365 days.
Students and their dependants are no longer covered once they reach the age of 65.
It is important to remind you that this coverage is not available in the province where you attend the school or in your country of origin.
To qualify for benefits, you must be covered by the government health plan in your home province or enrolled on the Students' Union International Student Medical Plan. For additional details on this benefit download the Travel Assist Brochure..
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| Other Insurance |
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The student plan also offers the following complementary insurances:
These insurances are only applicable to the Student. Family members added to the plan are not eligible.
Your plan provides coverage for the loss of life or limb and for paralysis caused by an accident. The amount of your life benefit is $6,000. Please contact the Benefits Plan Office for a complete schedule of losses.
Maximum of $15 per hour to a maximum of $1,000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 15 consecutive school days.
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Limitations and Exclusions to Health Benefits
An exclusion is a condition or instance that is not covered by the Health Plan. it's important to review and understand exclusions to the plan before using your benefits.
No benefit is payable for:
- Expenses for which benefits are payable under a Workers' Compensation Act or a similar statute.
- Expenses incurred due to intentionally self-inflicted injuries.
- Expenses incurred due to civil disorder or war, whether or not war was declared.
- Expenses incurred due to committing a criminal offense or provoking an assault.
- Expenses for which benefits are payable under a government plan.
- Expenses for benefits which are legally prohibited by the government from coverage.
- Services or supplies received outside of Canada.
- Expenses for drugs which, in the insurer's opinion, are experimental.
- Expenses for dietary supplements, vitamins and infant foods.
- Expenses for contraceptives (other than oral).
- Expenses for smoking cessation aids.
- Expenses for drugs if they are used for the treatment of infertility.
- Expenses for "in vitro" or "in vivo" procedures, or any other infertility procedures.
- Dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth.
- Utilization fees which are imposed by the Provincial Health Care Plan for the use of a service.
- Preventative immunization vaccines and toxoids.
- Any other exclusion identified in the policy contract.
Dental Coverage
Your dental coverage runs for as long as you remain an enrolled and eligible student at St Francis Xavier University. For more information about enrollment and eligibility, please visit the Plan Enrollment section.
Plan Leaflet
Get a summary of eligible expenses and maximum reimbursements of your Health and Dental Plan.
Plan Card
Your Plan Card allows you direct billing with pharmacies and dental offices.
The following is the coverage for your Dental Plan:
The Dental Plan covers up a maximum of $900 per benefit year. Please submit an estimate/pre-authorization prior to any dental treatment plan exceeding $500.
| Dental Benefits |
Coverage |
| Diagnostic & Preventative |
90% |
- Recall examination
Once per benefit year.
- Initial or complete oral examination
Once per benefit years.
- Scaling
2 units per benefit year, 6 additional units covered at 80%.
- Polishing or cleaning teeth
2 units per benefit year.
- Full mouth series of x-rays
Once in a 36 month period (not eligible for dependents under 12).
- Periapical
Maximum 16 films in a 36 month period.
- Bitewings
Maximum 4 films per benefit year.
- Panoramic
Once in any period of 36 months.
- Fluoride
1 treatment per benefit year for dependants age 16 or younger.
- Oral hygiene instruction
1 treatment per lifetime.
- Pit and fissure sealants
Under 16 years of age, 1 molar in a period of 36 months.
- Space maintainers and maintenance
Once per benefit year.
- Anaesthesia
Eligible when done in conjunction with a covered dental procedure.
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| Minor Restorative |
75% |
- Services associated with dental health restoration.
- sedative, silver and white fillings
All restoration done to the same tooth will be covered as a single visit to the dentist.
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| Oral Surgery |
75% |
- Residual Root Removal.
- Extractions.
- Alveoloplasty, Gingivoplasty, Stomatoplasty, Vestibuloplasty.
- Surgical Excision.
- Surgical Incision.
- Fractures.
- Frenectomy.
- Post-Surgical care.
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| Endodontic |
75% |
- Pulpotomy.
- Root canal therapy (once per tooth).
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| Major Restorative |
75% |
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| Dental Accident |
100% |
Limited to $1000 per accident. The plan covers the cost of the services of a dental surgeon, limited to the fees provided in the current General Practitioners fee guide, including dental prosthesis, required for the treatment of a fractured jaw or accidental injuries to natural teeth or jaw if caused by external, violent and accidental means.
Services must be started within 90 days of accident and completed within 12 months of the accident. If treatment is scheduled to occur more that 90 days after the impact, a treatment plan must be submitted before the end of the 90-day period.
No benefits are paid for:
- Accidental damage to dentures.
- Dental treatment completed more than 12 months after the accident.
- Orthodontic diagnostic services or treatment.
Dental Accident Pre-determination: An estimate for all dental accident services MUST be submitted to the health plan insurer. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours.
In the event of a dental accident, you must complete a Standard Dental Association claim form, to download the form, visit the Submitting Claim section.
This coverage is under the Health Plan. You must be enrolled in the Health Plan to claim for dental accidents.
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Payment of dental benefits is based on the General Practitioners Dental Association suggested fee guide or the Insurance Reimbursement Rate set by the Canadian Life and Health Insurance Association Inc. (CLHIA) when a fee guide is not available. For services provided by a dental specialist, payment is based upon the General Practitioners Dental Association suggested fee guide.
Alternate Benefit - When there are two or more courses of treatment available to adequately correct a dental condition, reimbursement may be based on the cost of the least expensive treatment, which provides adequate care to the Insured.
Limitations and Exclusions to Dental Benefits
An exclusion is a condition or instance that is not covered by the Dental Plan. it's important to review and understand exclusions to the plan before using your benefits.
No benefit is payable for:
- Any cause for which the insured may apply for and receive protection, exemption or compensation under any Workers' Compensation Act.
- Dentures, bite plates, bridges, bleaching, orthodontic services.
- Any anesthesia administered in a hospital.
- Any dental charges not included in the current provincial fee guide.
- Any dental treatment for the correction of temporomandibular joint dysfunction.
- Any dental care, treatment or supplies primarily for cosmetic purposes.
- Any dental appliances including replacement of mislaid, lost or stolen appliances.
- Endodontic treatment that started before the effective date of coverage.
- Procedures or supplies used in vertical dimension corrections (changing the height of the teeth) or to correct attrition problems (worn down teeth).
- Any dental treatment for the correction of temporomandibular joint dysfunction.
- Any services or supplies for implantology, including tooth implantation and surgical insertion of fabricated implants; 13) Services or supplies received outside of Canada.
- Any other exclusion identified in the policy contract.